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We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.

*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.

Protect home appliances & Systems with a Home Warranty

America’s oldest home warranty reviews & research platform. Home to the largest pool of reviews, tips & offers!

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First 2 months free * Get your first two months free when you choose the monthly billing option on your purchase of a new annual Appliances, Built-in Systems or Complete Home Plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer. Not available in Iowa, Washington, Arizona, Massachusetts, Hawaii and Alaska
Select Home Warranty

$150 off

Free roof coverage 2 months free
Select Home Warranty

$200 off

Free roof coverage 2 months free

Quick glance at the top home warranty companies 2021

The homewarrantyreviews.com advantage

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home warranty needs

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  • 80+ companies reviewed
  • Proprietary complaint resolution platform
  • 93,591 consumers' reviews
  • Exclusive deals and offers
  • Detailed guides and smart tips

How do we rate home warranty companies?

Most home warranty companies offer the same kind of products and services, with a few exceptions. But, they do vary drastically in pricing and customer service quality. Shelling out a few extra tens of dollars is not usually a problem, but only if the home warranty company offers services worth the hype. With their websites being overwhelmingly positive and random user reviews being hard to authenticate, that’s where we at HomeWarrantyReviews.com come in.

We review, compare, analyze, and process user-generated opinions to give you reliable ratings and company evaluations. The intention is to evaluate the companies according to how they serve their customers and not how they market themselves. Our methodology uses several parameters to decide where a company should rank as follows:

  • Home warranty company credibility- We find out if the company is trustworthy, registered with appropriate industry bodies, and correctly incorporated.
  • Transparency- We check if the home warranty companies are willing to offer information that the customers want to know about.
  • Quality of Reviews- We give extra emphasis to reviews that detail the nature of the problem and resolution offered by the company.
  • Pricing- We take a look at the pricing of home warranty plans in the context of the benefits offered.
  • Coverage- We compare the coverage offered by home warranty plans from different companies to determine the company’s commitment to excellence.
  • Complaint Resolution- Companies’ intent and robustness in addressing the customer concerns in our Consumer Resolution Program are measured.
  • Claims and Settlements- We consider user reports on the ease of settling claims and the turnaround time.
  • Innovation- We identify if the companies go the extra mile to provide value-added services and unique coverage options.

Top-Rated Home Warranty Companies 2021

Covered Systems And Appliances

Add-ons

plus_icon
pool_icon

Pool and Spa

well-pump

Well Pump

oven_imgSump pump

Sump pump

limited-roof-coverage

Limited Roof Leak

septic-system

Septic System

Stating-alone-freezer

Stand-Alone Freezer

Plumbing System

Plumbing System

electrical_system

Electrical system

water-heater

Water heater

refrigerator_ice_maker

Refrigerator

Air-Conditioner

Air conditioning

cieling_fan_appliances

Ceiling fan

View more down_arrow
whirpool-bathtub

Whirlpool Bathtub

Cooktop

Cooktop

dishwasher_appliance

Dishwasher

Built-in Microwave

Microwave

Ductwork

Ductwork

Garage-Door-Opener

Garage Door Opener

Add-ons

plus_icon

Free first month

plus_icon

Free
roof coverage

Pros
  • Free coverage for the first month
  • No prior home inspection required
  • Offers service guarantee
Cons
  • No coverage in California & Washington
  • Limited coverage caps for some items
Rating starRating starRating starRating starRating star
7,315 Reviews

Choice Home Warranty

Premium

$495 - $700

Deductible

$85

Appliances Limit

$3000

States Covered

48

Complaint Resolution Program

Yes

Free First Month

plus_icon

Free
roof coverage

Covered Systems And Appliances

Add-ons

plus_icon
well-pump

Well Pump

pool_icon

Pool and Spa

septic-system

Septic pump

limited-roof-coverage

HVAC Tune-Up

Air-Conditioner

Air Conditioning

Ductwork

Ductwork

refrigerator_ice_maker

Refrigerator

Built-in Microwave

Microwave

electrical_system

Electrical System

oven_img

Heating

View more down_arrow
Cooktop

Cooktop

Trash-Compactor

Trash Compactor

dishwasher_appliance

Dishwasher

Garage-Door-Opener

Garage Door Opener

Free-standing-ice-make

Freestanding Ice Maker

Add-ons

plus_icon
Pros
  • Pioneer of the home warranty industry
  • Offers customizable plans
  • Electronics warranty plan
Cons
  • No coverage in Alaska
  • Limited range of add-ons
 American_Home_Shield_logo-1
Rating starRating starRating starRating starRating star
14,251 Reviews

American Home Shield (AHS)

Premium

$480 - $840

Deductible

$75 - $125

Appliances Limit

$3000

States Covered

50

Complaint Resolution Program

Yes

Covered Systems And Appliances

Add-ons

plus_icon
pool_icon

Pool and Spa

limited-roof-coverage

Limited Roof Leak

Sump pump

Sump pump

well-pump

Well Pump

septic-system

Septic System

Stating-alone-freezer

Stand-Alone Freezer

HVAC

HVAC System

electrical_system

Electrical System

Plumbing System

Plumbing System

dishwasher_appliance

Dishwasher

washer

Garage Door Opener

refrigerator_ice_maker

Refrigerator

View more down_arrow
Ductwork

Ductwork

Trash-Compactor

Trash Compactor

water-heater

Water Heater

whirpool-bathtub

Whirlpool Bathtub

Built-in Microwave

Built-in Microwave

Cooktop

Cooktop

Add-ons

plus_icon

$200 off

plus_icon

2 months free

plus_icon

Free
roof coverage

Pros
  • Low service fee
  • Offers free coverage for the first two months
  • Emergency service available
Cons
  • Claim process completion in one day
  • Limited coverage caps
 thp
Rating starRating starRating starRating starRating star
766 Reviews

ServicePlus Home Warranty

Premium

$500 - $599

Deductible

$75

Appliances Limit

$1500

States Covered

46

Complaint Resolution Program

Yes

$200 off

plus_icon

2 months free

plus_icon

Free
roof coverage

Covered Systems And Appliances

Add-ons

plus_icon
well-pump

Well Pump

pool_icon

Pool and Spa

water-softner

Water Softener

Stating-alone-freezer

Jetted Bathtub

water-heater

Water Heater

cieling_fan_appliances

Ceiling Fan

refrigerator_ice_maker

Refrigerator

Cooktop

Cooktop

dishwasher_appliance

Dishwasher

Trash-Compactor

Trash Compactor

View more down_arrow
Oven

Built-in Microwave Oven

Garage-Door-Opener

Garage Door Opener

Air-Conditioner

Air Conditioning System

whirpool-bathtub

Whirlpool Bathtub

Cooktop

Ductwork

Add-ons

plus_icon
Pros
  • Utility & service line coverage
  • Flexible options with choice of add-ons
  • 90-day service recall period
Cons
  • Offers just two plans
  • Higher pricing than market average
Rating starRating starRating starRating starRating star
1,921 Reviews

The Home Service Club

Premium

$400

Deductible

$65 - $125

Appliances Limit

$2000

States Covered

51

Complaint Resolution Program

Yes

Covered Systems And Appliances

Add-ons

plus_icon
washine-machine

Clothes Washer & Dryer

pool_icon

Pool and Spa

whirpool-bathtub

Jetted Bathtub

water-softner

Water Softener

refrigerator_ice_maker

Refrigerator

electrical_system

Electrical System

water-heater

Water Heater

Ceiling fans

Garbage Disposal

hoover

Central Vacuum

dishwasher_appliance

Dishwasher

View more down_arrow
Oven

Microwave

Trash-Compactor

Heating system

Cooktop

Range / Cooktop

Garage-Door-Opener

Septic System

exhaust-fan

Attic & Exhaust Fan

Ductwork

Ductwork

Add-ons

plus_icon
Pros
  • Allows you to pick service technician
  • Offers various plans catering to a variety of needs
  • Covers your hotel stay due to repair work
Cons
  • No coverage in California & New Hampshire
  • Washers & dryers not covered in Standard Plan
Rating starRating starRating starRating starRating star
858 Reviews

America's Preferred Home Warranty (APHW)

Premium

$480 - $599

Deductible

$50 - $125

Appliances Limit

$1200

States Covered

49

Complaint Resolution Program

Yes

Covered Systems And Appliances

plumbing_system_appliance

Plumbing System

dishwasher_appliance

Washer

water-heater

Water Heater

Ductwork

Ductwork

heating-system

Heating System

Built-in Microwavewater dispenser

Oven

View more down_arrow
Air-Conditioner

Air conditioning

electrical_system

Electrical System

refrigerator_ice_maker

Refrigerator

Cooktop

Cooktop

dishwasher_appliance

Dishwasher

cieling_fan_appliances

Ceiling Fan

$150 off

plus_icon

2 months free

plus_icon

Free
roof coverage

Pros
  • Coverage for mobile homes
  • Free roof leak coverage
  • Service guarantee of 90 days
Cons
  • Charges multiple call fees for multiple repairs
  • Low coverage caps
Rating starRating starRating starRating starRating star
4,392 Reviews

Select Home Warranty

Premium

$299 - $499

Deductible

$60

Appliances Limit

$500

States Covered

46

Complaint Resolution Program

Yes

$150 off

plus_icon

Free

roof coverage

plus_icon

2 months free

Covered Systems And Appliances

Add-ons

plus_icon
limited-roof-coverage

Limited Roof Leak

pool_icon

Pool and Spa

hvac_icon

HVAC Tune-up

water-softner

Water Softener

Built-in Microwave

Microwave

Trash-Compactor

Trash Compactor

refrigerator_ice_maker

Refrigerator

heating-system

Heating System

Ductwork

Ductwork

dishwasher_appliance

Dishwasher

View more down_arrow
electrical_system

Electrical System

Garage-Door-Opener

Garage Door Opener

water-heater

Water Heater

Cooktop

Cooktop

instant-hot-water-disponser_appliances

Instant Hot Water Dispenser

rekeying

Re-Key

add-on

plus_icon
Pros
  • Unlimited service calls over the year
  • Plans start at $28
  • Covers building & improper installation repairs
Cons
  • Limited add-on coverage options
  • Limited coverage caps for some items
 FAHW
Rating starRating starRating starRating starRating star
1,944Reviews

First American Home Warranty

Premium

$336 - $534

Deductible

$85

Appliance Limits

$3500

States Covered

35

Complaint Resolution Program

Yes

Covered Systems And Appliances

plumbing_system_appliance

Plumbing System

heating-system

Heating System

refrigerator_ice_maker

Refrigerator

dishwasher_appliance

Dishwasher

Trash-Compactor

Trash Compactor

Garage-Door-Opener

Garage Door Opener

View more down_arrow
Air-Conditioner

Air Conditioning System

Cooktop

Ductwork

Pros
  • Utility & service line coverage
  • Flexible options with choice of add-ons
  • 90-day service recall period
Cons
  • Offers just two plans
  • Higher pricing than market average
Rating starRating starRating starRating starRating star
2,216 Reviews

Home warranty of America

Premium

$275 - $695

Deductible

$75 - $100

Appliances Limit

N/A

States Covered

50

Complaint Resolution Program

Yes

Compare Other Home Warranty Companies At A Glance

Company name
Rating
Plans available
Pros
Cons
States covered
Old republic home warranty Rating starRating starRating starRating starRating star Standard plan
Ultimate plan
Ultimate (W/D/R) plan
Platinum plan
  • Offers home security services
  • Offers home moving services
  • Home electronics coverage available
  • Does not serve North & North-west US
  • 13-month plans available in very few locations
28
2-10 home buyers Rating starRating starRating starRating starRating star Simply kitchen
Complete home
Pinnacle home
  • 40+ years of experience
  • Exclusive appliance benefits
  • Offers “Even If” service guarantee
  • Limited coverage
  • Poor customer service
44
HomeServe home warranty Rating starRating starRating starRating starRating star TotalHome warranty appliance plan
TotalHome warranty combo plan
Premium home protection plan
Complete plumbing repair plan
Interior protection plan
Home comfort plan
  • Several plan options to choose from
  • Partnership with several utility services
  • Plans benefits and exclusions vary from place to place
  • No nationwide coverage
36
Landmark home warranty Rating starRating starRating starRating starRating star Total protection plan
Home systems plan
  • Offers home system tune-ups
  • Pest control services available
  • Coverage available in only seven states
  • No ductwork coverage
7
Cinch home services Rating starRating starRating starRating starRating star Appliances plan
Built-in Systems plan
Complete home plan
  • Installment based payments available
  • Offers free water sensors with plans
  • Covers pre-existing conditions
  • Expensive deductible options
  • Doesn't cover multi-family properties
48
American residential warranty Rating starRating starRating starRating starRating star Platinum premium
Platinum
Heating & cooling
Kitchen plus
  • Offers coverage for electronics
  • Affordable deductible
  • Option to customize coverage
  • 24/7 customer service not available
  • Limited optional coverage options
50
OneGuard home warranty Rating starRating starRating starRating starRating star ApplianceGuard
SystemGuard
HomeGuard
  • Offers maintenance & care services
  • Offers pest control services
  • Short waiting period
  • Only available in 3 states
  • Complaints about response time
3

How to get the most out of home warranty

Your home warranty plan will fulfill its primary purpose, that is, saving you from costly repairs, whenever there is a covered breakdown. However, some home warranty owners have regularly voiced concerns about unfulfilled claims’ promises and other service-related issues.

While there have been cases of some home warranty companies finding contractual loopholes to evade responsibility, in most cases, the issues could have been avoided by a reasonably thorough research from the customers.

To help our readers to make the most of their home warranty investments, we’ve listed out some important points that need consideration from the potential customers. The most important thing to do is to read the contract thoroughly to avoid any misunderstandings. Here are some points to help you end up saving more money and enjoy more peace and calm in your life.

FIND OUT WHEN YOU NEED A HOME WARRANTY

You own old systems & appliances: If you own a home that has home systems and appliances over 3-5+ years old; or if they are no longer under manufacturer warranty (not even the credit card warranty extensions), you might benefit from a home warranty. That 5 year mark is when devices start showing signs of wear and tear.

If your home is on the market: Your realtor may recommend that you get a home warranty. It's seen that homes covered by a seller’s warranty sell at a 3% higher than the asking price. You can also close the sale faster when the buyer has no concerns about spending on right repairs after moving in.

If you own rental property: A home warranty is a great way to reduce your liability towards maintenance costs. You can make a lot of money by having a home warranty company cover the repair services when your tenants report problems. You can also outsource the hassle of dealing with repair technicians.

Make sure you shop the right policy and choose one that covers your specific liabilities as a homeowner, landlord or seller/buyer.

Here is a handy table of most pressing needs:

Homeowner
Landlord
Seller/Buyer
Critical home systems and appliances to cover HVAC, Electrical, Plumbing systems, Refrigerator, Washer & Dryer, Roof Leak, Oven/Range/Cooktop HVAC, Electrical, Plumbing systems, Roof Leak, Rekeying, Pest Control HVAC, Electrical, Plumbing systems, Rekeying
Age of Home/Systems and Appliances 3-5+ Anything out of OEM Any
Level of Coverage Basic/Comprehensive Comprehensive Basic

COMMUNICATE YOUR ISSUES WITH CLARITY

Sometimes, home warranty companies find an opportunity to turn your claim down if you fail to communicate your issues with clarity. Make sure that you’re conversant with the contract when you file your claim and explain clearly to the agents and managers why the problem should be covered. Many home warranty policies provide money for minor restorations to rough finish, so you should not fail to avail of those.

TRY TO GET THE BEST SERVICE CONTRACTORS

Most often companies send out qualified service contractors, but there have been cases with smaller home warranty companies sending out below-average professionals to save money.

Most companies don't tell you before hand who they are sending out but try to find out which service contractor they have scheduled for you. If the contractor is not well-reputed, ask for a different one.

DON'T FILE A CLAIM IF THE PART IS NOT COVERED

If the mechanical failure is due to a non-covered part, don't file a claim. You’d have to pay the service contractor the deductible for no reason. Ensure that you maintain service records of repairs performed that are not covered by the warranty, so that they don’t create problems with processing claims later on.

OPT FOR CASH PAY-OUT SETTLEMENT FOR MORE FLEXIBILITY

Sometimes home warranty companies offer cash in lieu of repair or replacement services. This amount may be lower than the retail pricing but taking it would let you choose the service provider or the make and model of the replacement.

BUY HOME WARRANTIES DURING A SALE

Most companies do offer small discounts on their platforms all year round, but you can get larger ones around Christmas, Black Friday, New Years’, etc. You should also avail of free quotes from platforms like HomeWarrantyReviews.com where the companies offer special deals and larger discounts. You will end up saving a lot of money.

Guide To Minimizing Home Repair And Maintenance Costs

guide_img
Step 1
Take inventory of your home

Note down the age, and breakdown & maintenance history of your home systems and appliances

Step 2
Use calculators to plan finances

Our home maintenance calculators show the potential maintenance costs vs. the home warranty costs. Find out how much value home warranties may add to your household

Step 3
Compare home warranty plans

Check out the coverage, pricing range and detailed reviews of home warranty companies. Also check out user reviews to see how they meet customer expectations

Step 4
Get free quotes

Shortlist the best options and get free quotes from the companies serving in your location

Step 5
Maintain the home systems and appliances

Now that you have a home warranty at your service, you can use your household budget for actual emergencies

What should your home warranty cover?

Home warranty companies offer coverage for various systems and appliances. However, not all plans cover all the devices in your household. Companies offer various plans, splitting the coverage offered to crucial devices.

While selecting your home warranty plans, it is recommended that you ensure the following systems and appliances get covered in the plan you choose:

hvac_icon

HVAC

electrical_system

Electrical System

plumbing_system_appliance

Plumbing System

kitchen_Appliances

Kitchen appliances

hoover

Cleaning Appliances

Most companies don’t offer coverage in their main plans to some of the most expensive appliances at home due to the exclusivity of these devices but cover them as add-on items. Be sure to include systems and appliances as mentioned below in your add-ons if you happen to own them:

pool_pump

Pool pump

septic_pump

Septic pump

rekeying

Rekeying

roof_coverage

Roof Coverage

wine-cooler

Wine Cooler

home warranty resources: articles, tips and updates

The best way to improve your claim processing is to maintain your home systems and appliances in great working order. Use these guides for top-notch maintenance of your systems and appliances.

Guide to HVAC Maintenance

guide_down_arrow
guide_down_arrow

HVAC is one of most extensively used home systems. Many US states veer between extreme temperatures, causing the system to wear out faster. A home warranty saves a lot of money on HVAC repairs, but to ensure that you remain eligible for coverage, you have to maintain the systems as directed by the manufacturers.

Guide to Plumbing Maintenance

guide_down_arrow
guide_down_arrow

Plumbing systems are absolutely critical for homes to run smoothly. Not only do you need running water, but having plumbing leaks can also lead to wall damage, flooding and other expensive hassles. Home warranties cover most crucial plumbing system parts. Regular cleaning and maintenance is important not just to avail coverage but also prevent larger problems.

Exclusive Deals

Cinch Home Services

First 2 months free * Get your first two months free when you choose the monthly billing option on your purchase of a new annual Appliances, Built-in Systems or Complete Home Plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer. Not available in Iowa, Washington, Arizona, Massachusetts, Hawaii and Alaska

  • States covered
    48
  • Complaint resolution program
    Yes

Select Home Warranty

$150off

+

Free roof coverage + 2 months free

  • States covered
    46
  • Complaint resolution program
    Yes

ServicePlus Home Warranty

$200off

+

Free roof coverage + 2 months free

  • States covered
    46
  • Complaint resolution program
    Yes

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FAQs

Should I get a home warranty or start a DIY repairs fund?

A home warranty policy provides coverage for the major appliances and systems in your home. It comes into effect when a covered item fails due to general wear and tear. The company sends out a service technician to diagnose and resolve the problem, and in cases where repair seems unlikely, a replacement is provided. The cost of a home warranty is less than the amount you’d have to pay in case of an unexpected breakdown.

You can never be too prepared to care for home emergencies and therefore maintaining a DIY repair fund alongside a home warranty is a good idea. There are some parts that home warranty companies don’t cover. Alternatively, if you want a replacement with an upgraded model, the company may not cover that. A DIY Repair fund can come in handy for other home improvement activities as well.

Is home warranty a scam?

Over the years, the actions of a few dishonest companies have led to home warranties being labeled as scams. Home warranties, as a premise, may come across as ‘too good to be true’ initially and raise doubts that they are a form of fraud. The idea that a policy provides comprehensive coverage to the appliances and systems in your home is generous and may seem suspicious to some.

There are, however, many leading home warranties in the market that have millions of satisfied customers, high business ratings, and positive reviews - a testament to their legitimacy. However, it's not possible for any product or service to have only positive reviews and home warranty companies do receive flak when they disappoint.

A common problem seen is lack of research and not reading the home warranty contract carefully. Some sales agents may be in a hurry to close the deal making the customer oversee the nuances of the contract. Taking your own time to read it and understand every clause is essential.

Will the home warranty company deny my claim?

Home warranties are, first and foremost, service agreements that offer repair and replacement services to the covered items in your home in lieu of a small fee. As such, companies offering these services abide by all the terms and conditions laid down in your contract.

There are a few instances where your claim can be denied. The most common cause for claim denial is when someone files to get an uncovered item repaired. Another reason may be that the item’s breakdown was due to the failure of a component that is not covered by the home warranty company.

You can increase your chances of a successful claim by getting a home inspection. You should also carefully review the home warranty policy to understand the coverage extent and other necessary details.

How much money can I save?

The average cost of a home warranty policy is usually $350-$700 per annum. The monthly cost ranges from $30-$75. Apart from the annual or monthly payment, you need to pay a small deductible to your service technician when he comes to fix the issue. This amount may be $50-$200. Some companies offer multiple deductible options.

Compare home warranty costs with the repair or replacement of the appliances and systems in your home, and you’ll realize that hiring independent contractors for services can run into thousands of dollars.

*These are approximate values. Submit a free quote to get the exact prices.

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